前几天，聊到关于个贷不良转让提速的话题后，有不少人来跟我交流。 其中，有两个比较大的误读：一是，个贷不良转让呈现的趋势——账龄短、已核销、未诉讼资产数量上升，就是放贷机构在「躺平」。二是，不 良转让增多就是不良率恶化、资产质量下降的表现。 不良资产转让机制，是通过将不良资产转化为可交易的证券，既可提高金融市场的流动性，还能实现风险的分散与转移。 以前大家没得选，只能自己做清收，现在有了进入公开市场交易的选择，放贷机构可以根据现实情况制定新的贷后策略。与其说放贷机构选择 「躺平」，不如说他们是在重新核算成本收益后，调整了作业模式。 不良转让不是催收的终点，而是分工优化的起点。而转让提速背后，本质上则是「效率和成本」的问题。 重算清收「账本」 最近，中国银行信用卡发布的公告显示，该行将对信用卡账户因逾期所产生的相关诉讼费用一并纳入涉诉信用卡账单中。 其中，涉及的范围包括但不限于诉讼费、仲裁费、财产保全费、差旅费、执行费、评估费、拍卖费、公证费、送达费、公告费、律师费等等。 也就是说，以后恶意欠款的持卡人，除了要还本金、利息，还要支付银行追讨、清收这笔欠款带来的各项支出。 有网友评论：堂堂大行连这些小钱都要计较？ ...

Core Points - The meeting emphasized the importance of protecting financial consumers and investors, focusing on problem-oriented approaches to address complaints and issues in the financial sector [1] - The regulatory bodies will enhance collaboration to create a unified effort in improving the financial consumer environment and addressing significant issues affecting consumer rights [1] - Financial education and awareness campaigns will be intensified to improve public financial literacy and risk prevention capabilities [1] Summary by Categories Financial Consumer Protection - The meeting involved the Financial Regulatory Bureau, the People's Bank of China, and the China Securities Regulatory Commission to discuss the state of financial consumer complaints in the first half of 2025 [1] - There will be a coordinated effort to address key areas of concern raised by financial consumers, ensuring timely assessment and response to complaints [1] Regulatory Collaboration - The regulatory bodies will strengthen their collaboration with relevant departments to enhance the effectiveness of financial consumer protection initiatives [1] - A focus will be placed on identifying and addressing prominent issues that infringe on consumer rights, with an emphasis on risk warnings and concentrated remediation efforts [1] Financial Education Initiatives - A comprehensive financial education campaign is planned for September, utilizing effective methods to enhance public understanding of financial matters [1] - The goal is to elevate the financial literacy and risk management skills of the general public, contributing to a more informed consumer base [1]

近日，中国消费者协会（以下简称为"中消协"）发布《2025年上半年全国消协组织受理投诉情况分 析》，根据全国消协组织受理投诉情况统计，2025年上半年，全国消协组织共受理消费者投诉995971 件，同比增长27.23%，解决509655件，为消费者挽回经济损失4.52亿元。 根据2025年上半年服务大类投诉数据，金融服务类投诉量为7564件，与2024年上半年相比，金融服务类 投诉比重上升，由0.24%升至0.76%。 除了上述问题以外，这些零基础高薪技能培训背后暗藏"培训贷"陷阱，消费者稍有不慎落入彀中，梦想 就会变成挥之不去的噩梦。 根据中消协发布的《2025年上半年全国消协组织受理投诉热点分析及典型案例》，部分技能培训机构 以"零基础高薪兼职"等为噱头，通过虚假宣传、诱导贷款等手段吸引消费者报名，引发大量消费纠纷。 比如，机构鼓吹"先学后付""兼职还贷"等概念，实质上诱导消费者办理分期贷款。一些消费者签约时， 甚至在不知情的情况下完成了贷款申请。 中消协公布了一则真实案例。 今年4月底，张女士通过消协315平台投诉福建某商业保理有限公司。张女士称4月初在兼职平台看到成 都某教育有限公司的高薪兼职广告，总 ...

Core Viewpoint - The article emphasizes the importance of protecting financial consumers' rights and enhancing financial education as a shared responsibility of the financial industry, aligning with the political and people-oriented nature of financial work [2][3]. Group 1: Financial Consumer Protection - Xi Jinping highlighted that financial work must stand firm on the people's stance, enhancing the diversity, inclusiveness, and accessibility of services to better protect financial consumers' rights [2]. - The 20th National Congress of the Communist Party of China called for the establishment of mechanisms to protect financial consumers and combat illegal financial activities [2]. - Tsinghua University's Wudaokou School of Finance aims to cultivate financial leaders and promote financial consumer rights as part of its social responsibility [2]. Group 2: Financial Education Initiatives - The "Zijing Cup" national college debate competition on financial consumer rights, co-organized by Tsinghua University and Zhongyou Insurance, aims to enhance national financial literacy through youth participation [2]. - In 2025, the event will evolve into the Zhongyou Insurance Zijing Cup National College Financial Popularization Education Debate Competition, focusing on promoting financial knowledge relevant to daily life and building a strong national financial culture [3]. Group 3: Event Organization and Participation - The event is co-hosted by Tsinghua University Wudaokou School of Finance and Zhongyou Life Insurance, with the editorial department of "Tsinghua Financial Review" as the organizer [4]. - A diverse range of universities across various regions in China are invited to participate, including notable institutions from Northeast, North, Central, South, East, Northwest, and Southwest regions [4]. - The competition structure includes preliminary rounds, semi-finals, and finals, with specific timelines and criteria for team selection and performance evaluation [7]. Group 4: Registration and Participation Guidelines - The competition does not charge registration fees, and travel subsidies will be provided for up to four team members from participating universities [8]. - Participants must adhere to the core socialist values and ensure personal safety during the event [9]. - The event encourages public participation in proposing debate topics related to financial education, with incentives for selected submissions [10].

Core Points - The core idea of the news is the proactive approach taken by Minsheng Bank's Dongying Kenli branch to promote consumer rights protection and financial knowledge among employees and the public, particularly focusing on financial safety awareness [1][2] Group 1: Consumer Rights Protection Activities - The Dongying Kenli branch organized a consumer rights protection event, delivering financial knowledge directly to employees of public transportation companies [1] - The bank's staff conducted tailored financial knowledge "micro-classes" for employees, focusing on topics such as safe use of bank cards, identification of telecom fraud, importance of personal credit reports, and selection of legitimate investment channels [1] - The event reached over 500 individuals and distributed more than 1,000 promotional materials, achieving significant outreach and positive feedback from participants [2] Group 2: Financial Safety Awareness - The bank emphasized the importance of financial safety, using real-life cases to enhance employees' awareness of financial risks and providing practical tools for prevention [1] - In addition to corporate outreach, the bank staff extended their efforts to public transportation hubs, distributing financial knowledge handbooks and educating the elderly on recognizing counterfeit currency and avoiding illegal fundraising traps [1] - Participants expressed appreciation for the practical anti-fraud techniques shared during the sessions, indicating a strong community interest in spreading this knowledge further [1]

Group 1 - The core initiative of Minsheng Bank's Jinan Yulan Garden Community Branch is to enhance financial risk awareness among employees and deepen consumer rights protection education by actively engaging with companies that distribute salaries [1] - Bank staff set up a promotional booth to explain key points on preventing telecom fraud, recognizing illegal fundraising, and identifying investment risks using simple language and real-life examples [1] - The distribution of the "Financial Consumer Rights Protection Manual" focused on eight core rights of financial consumers, prevention of telecom fraud, and personal information protection [1] Group 2 - The outreach targeted both management and ordinary employees, emphasizing compliance financing and investment risk management for the former, while educating the latter on fraud cases and rational consumption [1] - Specific recent fraud methods such as "impersonating leadership for fund transfers" and "cashback for orders" were analyzed to enhance employees' awareness of not trusting, not transferring money, and not disclosing personal information [1] - The bank plans to continue these community-based financial knowledge promotion activities to further embed financial consumer protection in various sectors [2]

Core Points - The importance of enhancing public financial literacy and risk awareness in the current complex financial environment is emphasized [1] - China Minsheng Bank's Jinan Zhangzhuang Road Branch actively responded to the call for financial consumer rights protection by conducting a consumer protection-themed promotional event on July 16 [1][2] - The event included a financial knowledge quiz to increase engagement and interaction among participants [2] Group 1 - The promotional activity took place in a bustling commercial area, where staff set up a prominent information booth and displayed educational materials covering eight basic rights of financial consumers and common financial risks [1] - Staff engaged with merchants and consumers, providing detailed explanations on preventing various financial scams, such as fake QR code payment scams and impersonation of financial institution staff [1] - The event was well-received, with over 100 promotional materials distributed and more than 50 consultations conducted, receiving positive feedback from merchants and consumers [2] Group 2 - A merchant expressed appreciation for the event, stating it was useful in raising awareness about previously unknown financial risks and prevention methods [2] - The bank plans to continue diverse financial knowledge promotion activities, reaching more communities, enterprises, and commercial areas to enhance financial service levels [2] - The initiative aims to contribute to the protection of financial consumer rights and foster a safe, harmonious, and stable financial environment [2]

Group 1 - The National Financial Supervision Administration's Lingcheng Financial Supervision Bureau has actively implemented a financial for the people concept, achieving significant results in protecting financial consumer rights in Lingcheng District, Dezhou, Shandong [1] - A multi-channel dispute resolution mechanism has been established, including a "Financial Dispute Resolution Joint Committee" with various local institutions, resulting in a 100% satisfaction rate among financial consumers [1][2] - The bureau has conducted 52 consultations, resolved 6 complaints, and mediated 3 pre-litigation disputes this year [1] Group 2 - The bureau has combined centralized and localized financial knowledge promotion, organizing training sessions and public awareness activities, with a total of 37 themed promotions and nearly 130,000 online clicks [2] - Focus areas include preventing telecom fraud, rational investment, personal information protection, secure payments, and insurance coverage [2] - The bureau has conducted 4 street and building campaigns and 2 legal lectures to combat illegal fundraising, effectively blocking 11 potential risks [2] Group 3 - Digital technology has been utilized to enhance the breadth and depth of online policy promotion, collecting information on 38 online credit products, 17 specialty loan products, and 20 free service items [3] - A total of 13,369 small and micro enterprises have been visited, with 4,433 receiving credit totaling 3.401 billion yuan and 1.157 billion yuan in loans issued [3] - New insurance products have been introduced, providing coverage for 37,535 individuals under "Dehui Insurance" and risk protection for 15,952 individuals amounting to 757 million yuan [3]

Core Viewpoint - The article highlights the efforts of Ping An Rongyi in Jiangsu to support small and micro enterprises through financial services, emphasizing the role of party members in delivering these services and engaging in community welfare initiatives [1][10]. Group 1: Support for Small and Micro Enterprises - Ping An Rongyi has implemented five measures to support the development of small and micro enterprises in Jiangsu, aligning with the government's initiative for high-quality economic development [1]. - The company’s team, referred to as "Assist Enterprises Vanguards," actively engages with local businesses, providing tailored financial services to alleviate their funding challenges [2][3]. - The team employs a "door-to-door service" approach, ensuring that financial assistance reaches those in need, thereby preventing operational disruptions for small businesses [2]. Group 2: Consumer Protection - The company emphasizes the importance of consumer rights protection and the prevention of illegal financial activities as essential for sustainable financial market development [4]. - Chen Jichao, a party member with extensive experience, has maintained a zero-complaint record while serving over 2,000 clients, showcasing the commitment to consumer protection [4][7]. - The company has initiated community outreach programs to educate the public on financial fraud prevention, reaching approximately 50,000 individuals through various activities [7]. Group 3: Community Engagement and Public Welfare - Ping An Rongyi actively participates in community service, including blood donation drives and financial education initiatives, demonstrating a commitment to social responsibility [10]. - The company has launched projects to support vulnerable groups, such as fulfilling the wishes of critically ill children and improving living conditions for the elderly and disabled [10]. - Party members within the company have taken on roles as community volunteers, providing essential services during crises, such as the COVID-19 pandemic [8][10].

Core Viewpoint - The article highlights the proactive measures taken by Bohai Bank's Changchun branch to prevent customer fraud and protect their funds, showcasing the bank's commitment to financial consumer rights and safety [1][3]. Group 1: Customer Protection Efforts - On July 10, a customer, Ms. Zheng, attempted to transfer 100,000 yuan to a high-return investment project, having already lost 50,000 yuan to a similar scheme [2]. - The bank staff, utilizing their anti-fraud experience, successfully intervened by educating Ms. Zheng about recent illegal fundraising cases, ultimately preventing her from falling victim to another scam [2][3]. Group 2: Employee Training and Awareness - Bohai Bank emphasizes the importance of customer fund safety by conducting regular anti-fraud training, public awareness campaigns, and scenario drills to enhance employees' risk identification skills [3]. - The bank has received written commendation from law enforcement for its employees' high sense of responsibility and professionalism in protecting customer interests [3]. Group 3: Anti-Fraud System and Collaboration - The bank has established a comprehensive anti-fraud system that combines intelligent monitoring, manual interception, and police-bank collaboration to enhance the effectiveness of fraud prevention [4]. - Over the past two years, the Changchun branch has successfully identified and intercepted multiple suspicious transactions, recovering hundreds of thousands of yuan, with the highest single interception amounting to 760,000 yuan [4].